Equity Acceleration | Episode 02

Unlocking Equity Acceleration with Reese Ryan | The Real Estate UNLOCKED Podcast

Join us in this episode of The Real Estate UNLOCKED Podcast as your host, Joseph Marohn, dives deep into the concept of Equity Acceleration with the expertise of special guest, Reese Ryan from Wealth Artistry. Whether you're a seasoned investor or just starting out, understanding how to rapidly increase your property's equity is crucial in today's market.

In this episode, we cover:

• What Equity Acceleration really means and why it matters
• Practical strategies to speed up equity growth in your real estate investments
• Real-life examples and case studies that illustrate successful Equity Acceleration
• Tips from Reese Ryan on avoiding common pitfalls and maximizing your returns

Don't miss out on these invaluable insights that could transform your investment strategy and accelerate your path to financial freedom. Subscribe, like, and comment to join the conversation and share your experiences with Equity Acceleration!

🔔 Subscribe for more real estate insights: https://www.youtube.com/@JosephMarohn 👍 Like this video if you find it helpful and want to see more 💬 Comment below with your thoughts or questions about Equity Acceleration

Transcript

Transcript: Equity Acceleration - Episode 02

Thank you today on the real estate unlock podcast

We have a special guest by the name of Reese Ryan with Wealth Artistry he

Specializes in buying properties out of state as well as uncommon banking

Methods he's managed to buy all his rental properties without bank approval

Using his own credit score or any of them being reported to the credit

Business bureaus today we'll learn a little bit about him and his journey and

Go over a very interesting method he utilizes called Equity acceleration. Now

With that being said how are things rolling for you today Ryan?

Oh Joe so this is great man I'm super stoked to get to spend some time with

You and get a little bit about my background and some of the things that

You and I have been discussing in some of my small groups and a lot of the

Things that are within wealth Artistry so Mondays is just the start of my week

Um just like everybody else but I'm really looking forward to you know

Taking a little scouting trip out to doing some

Uh market research and going looking at some of the properties that you're

Looking at doing as well so it's shaping up to be in a killer week

I agree man I agree I can't wait for that Dallas trip man it's gonna be

Awesome and you're also going out to San Antonio right yep so again we'll get

Into it but you know over the last year or so

Um I've been really making my way out of being an entrep being an employee to

Being an entrepreneur and part of that is developing wealth Artistry so I've

Been growing my small member groups as well as my clients Across the Nation so

I've got a handful of people that are participating playing the game with me

Out in San Antonio as well as Dallas and you know this is just the first of many

Travels that I'll be having this upcoming year so awesome awesome

Brothers so okay man so let's kick it off man what's going on in Ryan's world

Man tell us a little bit about yourself where you grew up and where you're

Currently located and what you do for work yeah you got it

Um so I think my background first and foremost is I grew up in the island so

I'm from Hawaii I'm currently out in uh La

Um outside of Santa Monica um been here for the last few years but

I think where I'm kind of shaping things up is looking at kind of relocating to

Possibly Texas or maybe Nevada I'm looking at my options as far as again

The the utility of being able to do what I do best whether that's online

Consulting or doing real estate remotely buying properties out of state Etc so

Um but I think my background really comes from the hospitality background

Luxury fine dining customer service I grew up in that space so

Um for a lot of what I do is basically fine dining

Um really working at nice steakhouses Beverly Hills

Um luxury hotels that's been kind of like my background uh in my vocation

Right so being able to work on my craft my profession my career if you will and

So the last couple years or so and I think this is a testament of you know

Our connection is really being able to be a high income professional

And then be able to replace some of your income right really be able to build

Wealth create wealth and then ultimately leave wealth right because one of the

Ideas I've been really chewing on and just my own upbringing and the way that

I was raised it's the Haves and Have Nots you know and so it's something to

Make lots of money but then be able to pass it on right be a good Steward and

That's really where for me and what I do with wealth Artistry is helping people

Keep more of their money right Pay Less in interest Pay Less in taxes be able to

Have the proper structure whether that's with your business credit or legal or

You know all of the above so um I take a lot of my background working

In restaurants and apply that to creating experiences for myself whether

That's traveling whether that's taking those calculated risks being

Self-employed investing in real estate owning assets you know taking some of

Those chances to the point where now week in week out we're looking at

Playing the game right what's the one thing I want to accomplish this week so

Interesting Man interesting that's you know you you mentioned fine dining

Um how does one transition from fine dining to real estate investing man show

Us that journey and what's kind of motivated you to get started right and I

Think that's a that might be the 14 million dollar question right there

Right because

You know it might be a little more than 14 million

Um but I think the Genesis the thought of how does one go from waiting on

Tables serving tables to owning rental properties having your own business uh

Playing the business credit game Etc accelerating your Equity uh graduating

From being debt free it's you know the the very first seed idea that kind of

Came to my mind when I was in my early 20s was like I just want to own stuff

Like I don't see myself as a um a doctor I don't see myself as a

Lawyer I don't see myself as like really working for someone else and I

Definitely have I think a natural bias or an inclination to being more creative

And maybe a healthy um

Disrespect for Authority I like to think for myself I'm self-taught so a lot of

The the premise of me working in fine dining even at an early age not really

Fitting into college and just really taking a stock of what is my life going

To look like you know I think part of my story is you know I love my dad to death

But you know the he really kind of point me in the right direction of you know

Work hard get a good job you know buy a house have a happy life right and that's

That's more of Hope than a plan and so you know once I was kind of

Introduced to serving and working in the restaurant I saw a lot of lifelong

Employees right you know managers bartenders people that are kind of

Outlived their career but they really have limited options so from a you know

In my early maybe more my mid-20s or so I really took it serious of looking at

You know contributing to my uh my retirement account uh looking at buying

Property and you know I kind of just had this idea of just I'll just buy one

House a year right and partly being priced out of the Hawaii market and even

The California Market as well I'm very fortunate to have uh family friends uh

Really point me in the right direction so I started buying cheap little ugly

Houses um in Central Illinois and the rest is

Kind of History right so as I went through that first one I had to choose

Between a new set of rims and tires for my truck right like really just the toys

And oh I you know this is you know I work so hard I want I want to you know

Upgrade my truck versus you know thankfully my auntie she

Basically said well go use that money as a down payment go buy a rental property

And so have that paper itself and it'll appreciate and the there was a bunch of

Terms I didn't even know at the beginning but now on the other side of

It as this financial big brother I'm appointing people in the right direction

And really passing on some of these you know concepts of you know

You know what's a HUD you know what you know what is a dscr loan or you know

Like what are some of these technicals that you know if if you're just working

In nine to five you may not be privy to and I think

Um as I I kind of get to the point where I'm at today I really do uh delineate

Between being an investor versus an owner right so a lot of things I do in

Just my general you know agreements to myself or striving for excellence it

Really is taking ownership taking responsibility and that particularly is

How I you know look at my portfolio and having Workforce housing and and really

Being able to kind of share that with more people so

Yeah man I'm curious how how old were you when you decided to make that uh you

Know when your your aunt was giving you that advice

So if I'm not mistaken I think that might have been 26 27 ish

Um maybe a little bit older than that you know honestly I I do need to go back

And kind of like uh dialogue like the actual like origin story but um it was

Definitely in my mid to later 20s I had kind of run through the College Years I

Kind of went through kind of the party lifestyle and really just you know kind

Of living my best life to the point where I'm like oh I'm starting to

Connect dots like this isn't going to be forever right I have to start making

Some of these Financial moves so again a lot of my uh clients and my members in

My small group are kind of coming to that age of you know 27 28 of like well

Is there more to this is like what else do I need to do right so

Um it basically started with I'll just buy one house a year I think it was 26

To 27 if I'm not mistaken and I bought my uh

First four houses through that and then we'll get into it here in a little bit

But I I started being introduced to some of these um uncommon banking strategies

And really looking at the financial side of the equation

And so for me kind of getting a little bit more self-esteem and Clarity and

Definition of where do I fit into the grand scheme of things I love the

Financial side of the equation I'm not particularly concerned about paint

Schemes or swinging the hammer or the square footage or like the tangible

Property side of the equation right I love the puzzle I love the the creative

Acquisition well we can kind of bring up the the parlay method here in a minute

But being able to look at the finance side really being able to use your

Leverage your credit so that you can really have a lot more options so that's

Where I kind of have come to my expertise where I took kind of a pivot

Right so once I was introduced to equity acceleration I took a 30-year mortgage

And and paid it off in about five years so I had to choose do I just buy another

Door and just keep playing the game or can I really adapt the strategy and

Implement that for myself so I I had limited resources at the time and even

Now to a degree but I have more options but you know kind of the origin or the

Back story was yeah I'm just going to buy a couple houses one at a time and

Then I was introduced to New Concepts I was like oh let me roll that into what

I'm doing today and really make the most of it so at this point the and maybe I'm

Getting a little ahead of myself but the the first two houses I bought were with

Seller financing all right

Um the third and fourth house was with private money and then from that point

On I really started uh taking Equity acceleration to heart and the bulk of

That lift was done in about three years of overfunding my life insurance policy

As well as combining that with Equity acceleration

Where um from that point on now I've got a

Banking relationship with a local banker and I have properties that are free and

Clear and I'm like well let me get a HELOC and now that I have the HELOC I

Can basically continue to draw the money out and then go buy my next rental

Property and as the equity grows or depreciates I can pull that Equity out

And apply it to the next property I'm going to buy in Kansas or Dallas or or

San Antonio so wherever I choose to go so right I gotta say man that's

Impressive you know because I was that guy that actually went and bought the

Rooms and the sound system you know like I would I didn't have really no one to

Kind of like properly guide me going like early on and um you know we would

Make money and then we would spend it as fast as we would make it right so like I

Really wish I had that mindset early on on you know getting this money and and

Investing it into something whatever it be you know but obviously real estate's

The topic right but you know it's good that you kind of had that guidance early

On and it seems like you kind of made some moves early on that's impressive

Man yeah and I would say again like to me it

Doesn't matter how big the move is again me positioning myself as a financial big

Brother right really being able to have that servant's heart and look out for

Other people like hey Joseph I love who you are as a person let me jump in your

Corner let me point you in the right direction let's have some conversations

Let's talk about this stuff um has really come from a point of me

Just figuring out how to be consistent just

For myself right just because I think there's a lot of people that are gurus

Or mentors or personalities that are looking to take people's money or what's

In it for themselves and have a lavish lifestyle and I think proportionally

There's a lot of people that are looking for guidance and don't know where to go

Right and so where I kind of find myself it's well there's not a real big secret

To success you just got to show up and do the work right I don't know where it

Came from but part of my I guess morals or ethics is I all I really have in this

Life is my word and my and my ability to work hard that's all I really have right

I can get all the extra you know distractions and all these extra things

But what it really comes down to is is really just setting your mind to

Something and really being able to stay consistent I wish more people would just

Really appreciate what it really takes versus kind of the glitzy the Glamorous

Oh I saw it on Tick Tock or I I saw a podcast or or whatever but it's like

Really having a sober look at what it really takes to be successful right

Really put in the hours making some sacrifices

Um I know we talk about it in uh our live calls of

You know be do have who are you what are you willing to do in exchange for what

You want and that's really my playbook that's my secret sauce it's just

Refining who I am as a person working harder on myself than I do at my job

Getting Clarity defining what it is I want hey I want to buy one house a year

Hey I want to establish my personal credit hey I want to accelerate My

Equity hey I wanna you know XYZ and just go do it right I want to take a scouting

Trip out to Dallas all right we're gonna do it right so again I think there's a

Healthy uh amount for myself of being a practitioner right really being able to

Take to heart these are the things that I do as the principal I'm I'm the one

That's in charge of my life I'm I'm not you know maybe for another time but

Again there's really this counter argument of learned helplessness right

I'm not a victim like it's my life is happening for me not against me so

That's really shaped a lot of who I am as a person

I think a lot of people they kind of like overthink it you know like they

Everybody wants to learn everything at once you know like I gotta read all

These books I gotta watch all these videos and then like the most important

Thing here is to just take action right you know it's like make mistakes create

Problems and learn from them and that's the biggest thing from here you know

Because that's what I learned personally you know even at my job you know like

I'm an engineer and it's like when I went to school until Union School right

And it was like I was learning but most of the things that I learned were on the

Job like you know breaking things and then learning how to fix them or like

Breaking something not know how to do it and then just going asking somebody hey

Give me advice or what what can I do here to you know fix this but I think it

Applies the same concept to real estate you know would you agree oh absolutely

And again I think that's really one of my strongest suits is and this is

Something that I've had to cultivate through working in the restaurant

Sometimes you get Triple sat quadruple sat sometimes the kitchen's going down

Sometimes people call out and so again I've had to learn how to ask for help I

Cannot over stress that and I think that's especially true in the real

Estate industry because whether you're house hacking and doing the Burr method

And you're just owner occupying or you're self-managing you're being your

Own landlord or you're buying properties out of States whether you're

Representing buyers and sellers as an agent whether you're you know

Wholesaling whether you know whatever the case may be there's a lot of

Different perspectives so again we like to have kind of different

Um what's the word terminologies and equations like the percentage rules and

Things like that to make it more clear but there's so many different

Interpretations of where we can kind of play in real estate what whether you

Want to buy notes you want to do tax deeds you want to do Fix and Flip you

Want to buy and hold short-term rental like the list goes on and on and on so

Again your flavor of real estate can be very very confusing oh well the guy said

This about that but it might be a new law that has just changed that basically

Says well that's illegal or you're not allowed to do that anymore so

To me I think it's really crucial to one be able to ask for help really being

Able to seek out you know better questions seek out advice you know I I

Reserve the ability to Mentor people in my life

Um but I think there is something to be said about finding people that can teach

You that can train you that could really show you if you can follow instructions

This is the way to go do it right so I couldn't agree more man and you know

Like you strike me as someone that reads quite a bit in their spare time I know

That bookshelf is fully stocked but give me one real estate book just one that

Had the biggest impact on your investment strategies and mindset gotcha

We can definitely answer that um did lose you on the video though got you on

The sound but most pivotal book I think probably have to go to Think and Grow

Rich um a lot of what I'm doing today is

Reflecting on the beads you have concept right and so part of it is really being

Able to what I what I look in in a framework of realizing

Visualizing actualizing and then materializing right so again not to

Offend anyone in the secret camp or the law of attraction or manifestation a lot

Of the things that are happening for me uh today are because I'm materializing

These things in my life right so again there is you know frequencies and

Vibrations and resonance and you know are you positive are you negative are

You focused on problems are you looking at Solutions a lot of these things

Really come into play for me um by thinking and growing Rich right I

Sincerely wish for you to be a multi-millionaire to achieve all of your

Accomplishments not so that you can have a million bucks in the bank but who you

Need to become in order to have that right so again the personal growth the

Professional development these are tenants in my life and so I think Think

And Grow Rich Is Fundamental as far as again starting the process to again not

Just be in real estate and not just be an entrepreneur but to create wealth

And then through that you know I'll kind of throw honorable mention

Um the cash flow quadrant by Robert Kiyosaki is a wonderful book on looking

At how to use other people's resources other people's time

Um leverage credit things like that and then another one that I really kind of

Operate between it's the millionaire next door right having some discretion

Having diligence kind of living within your means really being able to have

Discipline self-control but at the same time not be stuck in a

In a certain camp that says you have to be debt free right because if you're

Debt free especially in this time when you look at the banking industry when

You look at interest rates and the economy inflation if you don't have

Assets you're gonna get you're going to get uh you're gonna get killed man like

You have to have assets that can keep up with inflation so

Um million extra doors a good read as an entry level maybe even richest man in

Babylon that's another good one that I really like real easy to go

Reset Port ad I think if any of your listeners are maybe in the early 20s or

They're looking to just get started starting with just changing your mindset

Another good one is Rich Dad Poor Dad Think and Grow Rich and then you can go

On to move next door and then the Casual quadrant and really think and Grow Rich

Is my top pick those are all great books by the way man uh drink Think and Grow

Rich I've gotten do uh the beginning part of the of the book and I'm trying

To find the time but you know that's one thing about you know like when you're

Doing all these things you have all these moving Parts it's hard to really

Sit down and just you know read right so I think you do some audibles right is it

Would you recommend doing audibles yeah and I think again just uh I'm not the

End-all be-all but again I think a lot of where I internalize what are my

Learning styles with me having to train people in the restaurant and open

Restaurants and just all of my background I've learned about myself

That I'm kinesthetic right I have to be Hands-On I have to be engaged like for

Me to Think and Grow Rich uh one of the practices that I do is go on think walks

Right for me to sit down and just be still and have to like study something

Is very very difficult so again I'll often go on a walk and be engaged in

Motion and then I'll think and things just they come to me right but to your

Point about uh reading yeah I I have a whole laundry list of you know uh

Dyslexia or comprehension or all the different things that could hold me back

But I'm choosing to be utilizing the tool like audible right go through those

Books and you know I guess more I guess a technical standpoint I'll listen to

Books and I'll run through them but the ones that are like oh there's something

Here like I need this book then I'll go get the hard copy then I'll get the

Highlighters and then I'll kind of study it like the Casual quadrant if you can

Grow rich and you know there's other books like I really like uh pitch

Anything really good book on productivity and

Framing and how you can have interpersonal relationships uh the one

Thing about being productive over being busy and so these are uh

I guess books that have really shaped who I am but I wasn't able to really

Appreciate those really take them to heart until I read through them once

Listening to them and then saying oh I want to devote some time to it there's

Other books that are great and helpful in your your self-help but not all of

Them are life-changing right so to me I use Audible to kind of get a preview of

What I'm getting myself into and then filter out what's as a top priority for

Me to go back and and read different books so yeah I use I use both

We're all wired for success but we're programmed to fill

That's dope yeah yeah man so um what are some common misconceptions or myths

About real estate investing that you often encounter

Hmm that's a really good one I think um myths about

Real estate I think maybe to apply just my own story again like I the small

Portfolio properties that I do have haven't had to use my credits right I

Didn't I didn't need Bank approval they're not being reported to credit

Bureaus and that's a reflection of me choosing to surround myself with the

Right people and you can go to Rios you can go to different meetups you can you

Know you can find people that can show you how to do this stuff I mean again I

Hope your listeners are getting involved with your community and really being

Able to just find the right people to connect with but the myth of like I need

Money or I need credit or I don't qualify it's interesting to me now where

The the barrier to entry for me at the very beginning was like I don't have

Good enough credit I don't have enough money I can't afford something I don't

Qualify is now kind of The Benchmark right so what what before was oh I

Couldn't do it is actually the standard of like well the next deal I do

I want to have a joint venture a limited partner for the down payment and then a

Dscr loan and I don't want to have to use any of my own money right right

Um previously I was negotiating buying a 100 unit portfolio in Central Illinois

Um and part of that was going to be a subject to transaction and then raising

The capital for the remaining portion and really being able to offer my

Expertise and do the debt restructuring through Equity acceleration but all of

That was um in the works of being able to do

Creative acquisition and private money and not any of my money not any of my

Credit not any you know so again like the thing that was holding me back

Before is actually the thing that I'm shooting for now right and so I think

The myth that a lot of people are are really kind of allowing to you know take

An effect on their mind is oh all the all the reasons I can't do something

Actually might be on the other side of it your success

I love that that's awesome man um so I know you you mentioned credit

Not like I know you you managed to tap into the business credit game so how

Have you successfully leveraged business credit to fund your real estate

Investments and uh what strategies or tips would you share with the listeners

Who are interested in doing the same yeah and so again I I do like to

Approach the conversation as a practitioner right and a lot of what I

Do within wealth Artistry or that Financial big brother is here's the

Playbook here's what I'm doing as opposed to telling people what to do

Like I'm a financial team captain rather than being a financial coach and so with

That being said I've pieced things together in my playbook right so it

Started with buying properties out of state or using my retirement account and

Then I progressed into Equity acceleration and then infinite Banking

And now business credit is kind of the the latest flavor of what I'm

Incorporating and what I'm doing and also getting into the non-profit space

And stuff because of what's happened back home but to the heart of your

Question uh business credits some tips um uh recently I started a new entity uh

New corporate structure so going through the the amonymity purposes of having a

Wyoming company and then having that company and create a new entity in

Kansas this and Texas they'll have one in Nevada and I'm looking at doing one

In Montana as well so again just beginning that process but to really

Look at my experience with business credit is somewhat newer of all the

Things that I'm I'm working on but nonetheless with a company that I

Created in second quarter um hasn't had any Revenue come in yet

But leveraging my personal credit being able to have the inquiries and do the

Personal guarantees I've gone through my first round of that first tier of

Business credits and I'm looking at three brand new business credit cards

Two Amex and one chase that are the equivalent of about sixty eight thousand

Dollars right and so now I'm approaching the

Next level like I'm leveling up in and I'm not just like saying it to say it

Like I'm tactilely like really like leveling up because now I actually have

Um a tangible resource so I'm doing the balance transfer to go from the

Available balance on my credit cards to now my business bank account and let's

Just say I got 50k in there I can go buy a business I can use a down payment on a

Property right so again it's what I call stacking these advantages you can play

Single advantages right in my mind's eye wealth Artistry really is like a

Strategic card game it's like a multiplayer game of chess right being

Able to think many moves ahead but then also being able to play single

Advantages when you can or stack those advantages and you know for me it's like

I have a new entity where I'm going to get bonus miles I'm going to have tax

Deductions right so again you can start getting more impact out of the same

Moves as you start to you know maybe ask better questions and I would say to kind

Of the business credit point really looking at

Um preserving or maintaining your personal credit and expedite that

Process the one of my uh my existing company that I have that owns my rental

Properties I did it the DIY way right so net 30 accounts Merchants accounts you

Know really taking six to nine months year and a half kind of going through

All that process to establish my dun and Bradstreet number the paydex schools of

That nature but then also really being able to kind of

Do that in an accelerated fashion in this latest go of it so

Um really I think the the thing to be for your listeners I think would be one

Surrounding some surrounding yourself with people that are in the space that

Are doing it and that can share with you how to do it and not just an e-course

And not just a master class or or a mastermind group but finding people that

Are doing it and and really uh you know spending the time with them

Right creating value for them but uh the business credit is it's um

Not an equalizer but it definitely levels levels you up to the playing

Field of where you need to be right because you know we could you know my

Own story a quarter ago it was me and my uh my

Income and my earned income my employment oh well I have these

Portfolios of properties oh I have this path of income I have this stream of

Income but now a quarter later now I've got you

Know a tangible resource of 50k to go deploy to go do Gap funding to you know

For some of your community that's gap uh um Gator lending right or Gatorade

Um so again I can get into that space because now I have a tangible tool to

Work in my favor right to stack those advantages

Man that's awesome man you know using that utilizing uh banking credit you

Know uh business credit I mean it's awesome you know because then you're

Able you have more tools in the tool belt right you know people think so so

Small it's like you can utilize these other tools if you know how to use them

Properly right so with that being said like I know creative finance and sub 2

Is not like primarily your strategy per se but you and I know real estate

Investing like the traditional way it can be complex so especially in today's

Market with high interest rates and such low volume of housing that's currently

Available on the market are you pivoting at all or like what are what are some

Strategies for securing funding especially for beginners right and I

Think to that point um

The pivot to me is almost kind of uh the natural trajectory that I'm on right

It's on the course that I'm already on having kind of gone through the last few

Years right and so really adopting what I've done with Equity acceleration in my

Own portfolio and then being able to share that with my clients within wealth

Artistry the the gist of what I'm doing in this

Market with uh Federal Reserve and Central Banking and the treasury basis

Saying until we get more layoffs until we get more unemployment interest rates

Are here to stay right when we look at the perspectives of people that are just

Getting started and you know dealing with fomo and oh I missed out like oh

Interest rates were two and a half percent or three percent four percent

Now there's seven percent seven and a half I missed out it's like well if you

Roll back the tape like the people that have shown me everything that I know

About real estate they got into real estate at 16 right 18 right and these

Are individuals that have been 30 40 years in the making right so again it is

Somewhat relative when you think about interest rates and and supply and demand

But I think the the thing that I'm really emphasizing

Um the attitude I have is I'm making banking products that the bank won't

Give me right now what does that mean well part of that is really accelerating

My Equity through my use of lines of credits understanding where amortization

Is on a loan and so to me it helps having the equity

From other properties so again if you're just getting started and you're a

Borrower and you're working nine to five and you don't have time you don't have

Resources you're not bringing a lot to the table again you have to work hard on

Yourself and you do your job and then really remind yourself that your profits

Are better than your wages right and get into that point where you might be

Limited like we said earlier but I think the pivot for me now it's doing both and

And I don't know if now is a good time to pull up the equity parlay method but

To me it's on one hand one component it is utilizing creative acquisition right

So many of you guys are probably familiar with subject two you can do an

Installment sale you can do private money

Um you can do seller financing and so again the acquisition is fine but then

Again in that interim on the hold it depends on what you want to do if you

Want to be short term and if you want to you know Fix and Flip and and do that

That's one thing but when we're looking at the the predicament that a lot of can

You know house hacking or Burr consumers are looking at it's the ability to

Refinance out right now the interest rates are a lot higher now your debt

Service is higher and now your cash flow is lower and so again if you guys can

See the screen on the left side of it we're basically looking at applying

Creative acquisition and then coming into the mix of what I

Call Equity acceleration right and so with the higher interest rates

Um they are something to be aware of and be informed of especially if you're

Looking at working against time right so a lot of the moves I'm moving around I'm

Making right now I'm really wary about balloon payments

Right if you don't know for sure that you're going to have a lower interest

Rate in the future you might want to do what you can to not be obligated by a

Balloon payment but what it really comes down to in me parlaying the equity from

One property into the next to the next it's really keeping more interest from

The banks right and so again I'm hoping Joseph you'll have me back at some point

And maybe we can do a deep dive on Creative acquisition and within the

Wealth Artistry context as well as doing a deep dive on Equity acceleration and

Really kind of unpacking the utility and the impact of what that can do for

Individuals because you know one of my clients right now she's buying

Um or she has bought she's already closed on her her second investment

Property out here in California I previously helped her get her HELOC on

The last property that she has and just by converting ten thousand

Dollars a principal from her new mortgage

To her line of credit with Equity acceleration

She is now effectively looking at saving about 55 000 of Interest right now that

Doesn't show up in your bank account doesn't show up as grocery money

But when we're looking at more of a medium to longer term game

All of that money is being kept in the family it's not going out to a third

Party it's not going to a bank so effectively every monthly payment that's

Being made more that's going to principal pay down and more of that's

Going to be kept into the future purchasing power for you buying more

Properties for your portfolio but really for anyone that wants this resource that

I have on the screen you can reach out to me if you know how to get a hold of

Me or get a hold of Joseph and again we can pass this along to you guys but

Essentially it really is combining um I think a foundational piece of

Creative acquisition which is you know game changing right it takes things to a

Whole other level as far as again are you qualified can you do a

A VA loan or a USDA loan do you qualify for HUD or not right if if you're being

Told by you know people that are know-it-alls or

Professionals that say oh you can't qualify traditionally or conventionally

But there's many other options you just got to get off that script you have to

Find people that can structure the deals in a way that

Um you know someone that might be conventional may not right I.E subject

Too but again A lot of people are are still

Um leaving money on the table by taking up a mortgage subject too which again I

I get right now there's a lot of motivated sellers that have come from

Getting their mortgages um in a historically low time right so

Two three four percent but is that going to be inevitably for

The future probably not right because we're now getting to a point where

People are doing what they can to you know get a mortgage at five percent or

Six percent or seven percent those people moving forward you know if

They need to move or or you know find a you know a buyer really being able to

Apply Equity acceleration in a higher interest in uh yeah higher interest

Environment is something I think another tool that more people should be doing

Right um if if you think subject to or creative acquisition changed how you do

Real estate Equity acceleration is a cherry on top

Of that right it it takes it to a whole nother level beyond that and then you

Get into Infinite Banking and a few other things too so

Absolutely so Equity acceleration so basically it's not about being debt free

It's not about just paying off your house even though you can apply that

Right um you're just basically you know you're

Using One banking product as a tool against another product correct that is

Essentially what it is and what I'll do occasionally on certain Saturdays is

I'll do a presentation for friends and family and just kind of share exactly

This and we'll have open q and A's and again we can you know have another uh

Episode to really deep dive on this but essentially what it comes down to it's

Not me versus the bank it's not me versus the mortgage it's me having a

Tool I.E a banking tool a line of credit credit card you could look at cash

Savings if you wanted to apply it that way against your amortization schedule

Right and so the the big idea it's changing the way you look at time right

I know that's kind of ambiguous like what do you really mean by that but it I

Have a completely different relationship with time now than when I when I was

Conditioned or raised or programmed prior to knowing all this stuff right so

The way that I can float payments the way that I look at my loan to values is

Very very different because it's not me having to pick up more

Shifts at work it's not me having to pay extra in my mortgage now it definitely

Can help but to to Really distinguish between some of the other camps as and

And Equity acceleration it goes beyond just being debt free

Right it's a mentality that you can't go into a bank and ask for an equity

Acceleration account they're going to give you a funny look

They're like well what are you talking about

Go and and beyond that going to a bank and ask them hey I want a simple

Interest long-term loan I'm not going to give it to you and this is what I meant

By I'm making a banking product that the bank won't give me because I have my

Lines of credit in place right I have this growing Equity I have my loan to

Values I'm de-leveraging and all of the different things at place I'm

Coordinating this I'm orchestrating the things around me

Um and so where I'm at it's looking at the opportunity to go get a mortgage at

A higher interest rate qualify do all the whole kit and caboodle how everyone

Else does it but then come in with my Ace play that Equity acceleration card

And then essentially take a third year mortgage and have it paid off in about

Five years now my results are not typical I I like to think of myself as

Above average and exceptional had a really good cap rate on on that mortgage

And it benefited from appreciation but nonetheless

I think someone that is kind of in that conservative or moderate uh place of

Like I work for someone else I happen to have a property maybe it's my own

Primary residence and I'm getting kind of killed with these higher interest

Rates Equity acceleration is more relevant than ever if you're you know

Having just bought your house within the first year and anything north of five

Percent this is applicable to you right now so you don't even have to be this

Fancy real estate investor Big Shot person you could be just a mom and pop

Or just you know single family trying to get ahead make ends meet this could be

Changing a lot of what you have going on for you because you're using the banking

Tool against the banking product and once you start seeing where if every

Mortgage you get you're basically buying two houses you buy the bank their house

First and then you buy your house second let's change that right and I'll kind of

Say this um real briefly Cowboy Mouth rule of thumb

Again not Financial advice not legal advice but really the way I look at it

Is I take the APR of whatever I'm quoted right so again if you don't mind

Disclosing or if you want to make up a number what would be an interest rate

You're looking at for the property that you're you're buying

Uh the one I just recently acquired uh four four percent right so four percent

We're looking at in my cowboy math the total cost of interest is approximately

About 80 percent of whatever you borrow right so right again the rule of thumb

Is if you got a mortgage and you're quoted a five percent APR essentially

You're going to pay a hundred percent of whatever you borrow in interest right

This is how the game is quote unquote rigged this is how it's tilted in the

Bank's favor and I'm not here to you know say all the games rigged or boohoo

Anybody I'm just saying if you don't like your seat at the table go sit on

The other side right listen to these go do what you got to do take action and

Then go sit on the other side right but uh again super powerful

Um strategy for people that are buying properties in this environment that may

Or may not necessarily be subject to but really being able to make the most of

The banking side of things hey so you're saying you can basically take

A 30-year loan and chop off 25 years is that what you're saying

Um that's not what I'm saying they can I'm saying that's what I did so yeah

Um uh the I think the reasonable expectation though I I really want to

Just maybe say let's just call it seven to nine years right for someone that

Isn't as versed in how to use leverage or how to use debt to their favor I

Think a reasonable expectation again is going to fluctuate Case by case because

Again everyone's interest rate is going to be different when do you apply this

Mortgage right or apply the strategy to your mortgage right so one of my clients

Um he said he he had a 5x return on his effort right so we looked at his

Converting of his principle and all that and he basically

Saved five times the amount of money he converted in his principal

And he's a stock market guy right he has some real estate properties and he's

Looking at in the stock market and he was like where else can I get a 5x

Return with very very low risk right it's it's a matter of guaranteed it's

Just on paper and so

Um he's at a point where initially he saved you know 5x the amount of money

He'd put um in converting the principal but it's

Going to be based on his situation where he had a brand new mortgage month one at

Six percent versus let's just say uh another property that he had for maybe

Three years and that might have been a at four and a

Half percent right so again we can choose which one's more impactful well

Let's let's do the one that you just bought at six percent because that's

Where all the interest is and you haven't done the damage yet right you

The other property he's already paid the majority of the bulk of that interest

Already so it would be more useful as a mentality as a strategy to apply it to

This property so again I think a reasonable expectation seven to nine

Years if you get an exceptional cap rate and you have a good cash flow and your

Your low vacancy then sure you it can't happen like for me like I I was able to

Pay it off in about five years so so why why do you think Equity acceleration is

Not more out there like more commercialized like to me I didn't I

Never heard about it until I met you right is this something you made or is

It something you created or something you learned about I would say I I like

The question and to me it's like I this is my own spin on it right and so

Um it goes by many names you can look up a sweep account or the pill method I

Think is a variation of it um it goes by velocity banking there's

Many different ways that you could look at kind of the the differences between

Our banking system and maybe um other countries banking systems right

So you go to South America or Central America you go to Australia you go to

England they may not have uh lines of credit or they may not have a credit

Card in the way that we know it right they may have different formats of

Finance but the the main point it's really looking at

Or within the wealth Artistry space my spin on it is wherever you point your

Eye like when you do Action Sports you're Outdoors wherever you point your

Eyes where you're going to go right and so again this isn't just being debt free

Like a lot of the conversation which I think we can make some time to come back

Uh for another episode um is to

Not just be debt free right my attempt in sharing this with you or anyone else

Is to graduate from being debt free right really be able to use uh leverage

Or debt effectively so that you can continue to play the game and create

Wealth in a way that is appropriate to your risk tolerance right so

Um but uh yeah so I think really it's not

As common for a couple different reasons I think there's different layers to it I

Mean in my own experience and my one-on-ones right now like the last

Three people I've talked to that I'm walking in through this process no joke

I tell them okay this is what you're looking for you're looking for a line of

Credit a personal line of credit or we're looking at getting you a home

Equity line of credit no joke they have the conversations and obviously I'm not

Doing it for them so I'm kind of like send them on their own right cheering

Them on you can do this I had the conversation with the

Representative or the specialist okay we got all the loan docs I'm like all right

Let me take a look at it let me review it

They had a whole conversation about them getting a line of credit

And then when it comes time to sign the the document it's a loan so again I

Don't know if it's intentional or they're unknowing but again a lot of the

The you know the individuals at the banks that really provide these

Resources or these tools maybe they just don't know and my own experience every

Time I've asked for a line of credit they're like oh I'll get you a loan

Application it's not as familiar from the Professionals in in using these

Products and and I think um it is kind of Presumed to

Being more of a a corporate thing you know a Fortune 500 like uh if you have

The coca-colas and the Fords if you have these big companies of Walmarts they all

Have a sweep account right it's essentially an overdraft account so

Again it can go by different names it can like a line of credit is referred to

By many different terms but Equity acceleration speaks to again using your

Line of credit to convert the amortized principle in your loan into simple

Interest and then by doing that repeatedly

Then you can really change a lot of the outcomes of how much interest you're

Going to wind up paying I agree man

Um you know with that being said you brought up a good point I I really like

The idea of bringing you back and and getting more in depth and more parts of

It like creative acquisition and the whole parlay method and if you're open

To that let's bring you back and let's do a series on it you open to that I'm

Definitely down to do that all right absolutely all right man so I just want

To kind of ask you uh one last question before we before we close this thing out

And that would just be you know if you had one single advice you can give to

Someone new that's just starting out today and just feels overwhelmed or not

Quite sure how to begin you know what what would that be what would that

Advice be for them hmm kind of put me in the hot seat on

That one um I think if I had to

Put it into one term I think it would really look at

Being able to fail forward and fail fast a lot of what I do as an entrepreneur as

An employee somewhere in the midst of that is learning how to do things and I

Think a lot of the younger guys a lot of newer people to real estate are really

Risk adverse so finding a lane for you to stick in that feels okay where you

Can strategically take a calculated risk get in your discomfort Zone come back

Right take a graduated perspective because again you're not going to be

Able to know it all but again really I think adopting I think the done beats

Perfect attitude is really I think a an economic or not an economic but a

A driver in my life right it's really prompted me to move forward whether it's

You know doing some of this type of stuff like being online and social media

And being able to share some more content is it buying a property site

Unseen out of state is it applying for a mortgage and my heart's like what did I

Just do like I have all this money on the line or whatever right so again

There's there's too much for one person to know all that there is to know or all

The things that there will be but if you can really I think take the heart really

Done will always be perfect and I tend to overthink things and I think there is

A a lot of people that are dealing with what's called

Um uh analysis paralysis right preparing to prepare learning to learn and equally

True shiny object syndrome right so again maybe you're not just getting

Started but you've been at it for a little bit and you've got you know some

You know accomplishments under your belt but then you're going from this thing to

That thing to that one just getting nickeled and dimed and not really having

The success that you really want right you might be able to have some

Experience and again whether you're just getting started and you're like I don't

Know where to start or you've begun and you're just not really getting what you

Want a lot of that just for myself has been

Alleviated or at least put into check because I've been really

Um focusing on what's the one thing that by doing that everything else is

Inconsequential or unnecessary and really being able to block my time and

Challenge myself in a way that is you know not making any excuses it's finding

Solutions asking myself how I think would be a you know another honorable

Mention is like uh done beats perfect but then when

You're faced with these uh challenges or these lessons or you know failing the

Question I always ask myself is well how could I do it better how could this be

Done who do I need to talk to right it's really being able to engage my mind and

And actually thinking it's not being what you need to think it's learning how

To think I think is really the deciding factor for people that can venture out

Into the unknown be an Explorer be an entrepreneur invest in real estate I

Think a lot of that really comes down to again whether you think you can you

Think you can't you are right it's whatever you set your mind to you can go

Do it no that's all great of that's all great

Advice man all great advice um with that being said let's go ahead

And wrap this up but um anything else you want to add or would like to you

Know our guests to know about or where can we find more about a wealth Artistry

Yeah no and I appreciate the the Highlight on that so again wealth

Artistry I'm on Instagram um you can look up my business page on

Facebook uh I do have a website but again it's a work in progress so if you

Can find it wealthartistry.com uh but majority of the way that people

Get a hold of me get on my calendar get involved with my small groups is going

To be um through my Instagram Direct messages

Or if you want some more of the content um some of the freebie stuff uh wealth

Artistry um on Facebook is a great place for that

And I will say again just looking forward to the future again doing more

Scouting trips and field trips for my future executive clients so I have my

Base camp of my online small groups my graduate group and then I have my

Masterpiece uh small group Mastermind for my clients but for any individual

That might be a little bit more established and looking to expand into

Other markets I just want to throw that out there

Um me and Joseph were going to Dallas to go look at his property bot subject two

We're going to do a deep dive on the path of progress the no-go zones we're

Looking at where the areas that he should be buying his next property so

Again I think a lot of the the things that I'm doing

Connect on my social media and then really being able to see if you'd be a

Good fit to being a member on my online small group or one-on-ones or maybe an

Executive client and just kind of going from there

But uh yeah Joseph can't thank you enough I I do think that you are

Um like myself uh above average and exceptional and I think again a lot of

If I could just speak to your your character and who you are as a person

And the reason I'm choosing to support you and really do life with you is again

Really looking at who you are as a person and living your life well and

Doing the things that you do and frankly don't talk about it but be about it

Right you you have that ability um or you have that you know essence of

Who you are so I really appreciate you you know offering and suggestion for me

To join you on your podcast and allow me to kind of speak on some of these other

Things because I have a servant's heart for you know the people that are

Financially illiterate or that are you know wanting to graduate from being debt

Free accelerate their Equity pursue Financial Mastery right so these are all

The things that I think where we're connecting on you know absolutely I

Agree man I def definitely appreciate the shout out as well man

Um it's been a pleasure having you Rhys and um looking forward to those future

Podcasts with you brother yeah we'll get it done and I'll I'll see you uh uh here

Shortly we'll be in Dallas all right all right good to see you

Brother foreign